Terms of Service

Finance Essentials ("we," "us," or "our") is an educational site built and run by a single founder. These terms use "we" for the site and its policies, separate from the first-person "I" you'll see on the About page, where the founder speaks for themself.

1. Acceptance of Terms

By accessing and using Finance Essentials, you accept and agree to be bound by the terms and provisions of this agreement. If you do not agree to abide by these terms, please do not use this service.

2. Description of Service

Finance Essentials provides financial calculators, educational articles, a glossary, market data through Market Watch, a portfolio tracker, and related tools designed to help users make informed financial decisions. Our services are for informational and educational purposes only and do not constitute financial, investment, tax, or legal advice. Market and cryptocurrency data may be delayed or inaccurate and is provided without warranty.

3. User Accounts

When you create an account with us, you must provide accurate, complete, and current information. You are responsible for safeguarding your password and for any activities or actions under your account. Calculator and portfolio data you enter is stored in your own browser and is not required to use most of the Site.

4. Premium Subscriptions

Some features are offered through optional paid plans. Paid plans are billed in advance on a recurring basis through our third-party payment processor, and prices are shown at the point of purchase. You can cancel at any time; cancellation takes effect at the end of the current billing period, and except where required by law, payments already made are non-refundable. We may change plan features or pricing with reasonable notice.

5. User Content

You retain ownership of any content you submit, post, or display on or through the service. By submitting content, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, and display such content.

6. Prohibited Uses

You agree not to use the service for any unlawful purpose, to solicit others to perform unlawful acts, to violate any regulations, or to infringe upon or violate our intellectual property rights.

7. Disclaimer

The information provided on Finance Essentials is for general informational purposes only. All information is provided in good faith; however, we make no representation or warranty regarding accuracy, adequacy, validity, reliability, or completeness.

8. Limitation of Liability

In no event shall Finance Essentials be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use the service.

9. Changes to Terms

We reserve the right to modify these terms at any time. We will notify users of any changes by posting the new Terms of Service on this page and updating the "Last updated" date.

10. Contact Us

If you have any questions about these Terms, please contact us through our contact page.